<a href="https://www.dealstreetasia.com/stories/ojk-kitabisa-p2p-licences-239807/" target="_blank">Indonesia grants licence to Tokopedia's P2P arm, shuts Kitabisa's donation programme</a>&nbsp;&nbsp;<font color="#6f6f6f">DealStreetAsia</font>

Indonesia grants licence to Tokopedia's P2P arm, shuts Kitabisa's donation programme - DealStreetAsia

University of Wisconsin-Madison

Chief Risk Officer & Risk Director - Fintech

Jakarta, Indonesia

Created framework of Dynamic credit risk management in combination with intelligent decisioning system, where it involves : analytics on customer insights and risk rating in terms of spending, revenues generated in marketplace, non transactional behaviours, and other parameters, we categorize Tokopedia users and sellers into different risk segments.For each category, we design customized models as well as tailored strategies for credit line approval and pricing. We assess their creditworthiness on an ongoing basis and dynamically adjust our credit approval process and limits.Lastly, part of building end to end service for loans, including collection. We determine the priorities of our loan collection and the collection process, combining automation approach as well as well controlled field collection activities.

PT. Semangat Gotong Royong (Dhanapala) subsidiary of Tokopedia

Chief Risk Officer and Risk Director

Setup the team from ground up, and designed loan underwriting platform and decision engine. Formulating and articulating a coherent risk appetite and infrastructure, including operating and financial models and hiring plansPartnering effectively with third parties, regulatory bodies and others, as appropriate in effort to have fundamentals of credit risk in place, from KYC, Credit Bureau, Big data, as well as scoring models in place to kick start digital merchant lending business for Tokopedia fintech.Built end to end service for loans, from Underwriting including anti fraud prevention and detection thru data analytics. Customized collection by combining automation and manual approaches for higher effeciencies

Tokopedia

Vice President Credit Risk Management

- Main responsibility for steering company’s risk position and appetite, delivering endeavoring results and fulfilling ambitious risk/volume/finance targetsProduct development – designing new products, calculating risk criteria and targets, piloting and implementing the products into current portfolio•	Steering company key projects activities (Big data, Credit Bureau cooperation,…)•	Implementing policies and methodologies, communication and negotiation with shareholders and headquarters. Sharing knowledge with other group entities.•	Budgeting and financing planning, people management including cost planning, leading and building a high performing risk team of professionals.•	Accountability for following functional departments:Underwriting: Maintaining the right balance among approval rate, time to decision and default rate of retail portfolio. Managing modeling and scorecard development, constantly challenging and improving current underwriting processes.Collection: Maintaining collection effectiveness and recovery rate targets while keeping sustainable customer oriented collection.Antifraud: Continually improving antifraud processes to keep FPD indicators under control, responsibility for fraud awareness across whole company and sales fraud related training.

Home Credit Indonesia

Chief Risk Officer (CRO)

Maintaining the right balance among approval rate, time to decision and default rate of retail portfolio. Managing modeling and scorecard development, constantly challenging and improving current underwriting processes.Building, managing and developing UW team, right staffing, succession planningResponsibility of team of credit experts – incentives, training, reporting, quality, capacity planning, on-line support in case of technicla or capacity problems.Keep high quality and capacity of analytical function,predictive and scoring models implementation,  big data sources identification and deploymentReporting and monitoring – reporting of all underwriting steps, managing underwriting analysts.

Head of Underwriting, SVP

1.	Product Leaders’  counterpart   and acted as key role as enabling function by putting in place the necessary risk mitigants and controls in areas such as, New account acquisition Initiatives, Usage program Development, Process Improvement in Operation, for all Unsecured Risk card and sales finance products in GE Money Indonesia.2.	Analyzed delinquency pattern, risk parameter measures, decision tree, etc. Oversees alarming sign, and initiated necessary modifications onto the Underwriting Policies or Account Maintenance Policies3.	Played a key role in Approval Rate Task Force. This project increased the card approval rate from 15% to 31% over a period of 6 months, while maintaining delinquency indicators at low level.4.	Developed design and put together risk analysis for any testing on new channel or product characteristic (Champion Challenger). Maintained Through-The-Door profiling based on customer application data, spending pattern, authorization parameter performance, delinquency pattern and profitability. Oversees for any shift within customer profiles and translate the indications into any impacts into product loss number. Along with the Analytics team to calculate product Loss Reserve forecasts and assumptions, compared them with the actual month-to-month collection performance.

GE Money Bank

Risk Credit Acquisition and Credit Portfolio Management AVP

- Managed fraud in prevention of Transaction and Application monitoring	Experienced in developing schemes within Fraud Transactional tool, such as FEWS and Falcon. Also Fraud Application tool, i.e. Instinct	Worked closely with Internal Audit team to launch new prevention system of Internal Fraud (i.e. Footprint)	Worked closely with team for MasterCard reporting

Fraud Risk and Operational Risk Senior Manager

- Managed fraud review team for Transaction and Application monitoring	Experienced in developing schemes within Fraud Transactional tool, such as FEWS and Falcon	Worked closely with team for MasterCard reporting

Citi

Fraud Risk Manager

- Managed financial reporting on expense control	Managed general ledger reconciliation	Reported variance report for forecast and budget periods

Nicole Oesman